The earnings call reflects a generally positive outlook with strong financial performance and strategic growth in core areas. However, there are challenges related to operating expenses, interest income pressure, and uncertainties around potential acquisitions.

Company Guidance

In the Erste Group's First Quarter 2025 Results Conference Call, the management provided several key financial metrics and outlooks. The company's operating expenses increased by 4.8% year-on-year, aligning with guidance, and the efficiency ratio stood at 48%, well within the full-year target. The net interest income showed slight year-on-year growth, driven by core income, including net interest and fees, despite challenges such as higher banking taxes in Austria. The return on tangible equity exceeded 15%, surpassing the 2025 target. Erste Group upgraded its fee growth guidance to more than 5%, indicating strong performance. The capital ratio CET1 improved to 15.9%, with a pro forma ratio of 16.2% after a positive Basel IV impact. The loan growth guidance is set at about 5% for 2025, supported by a 0.9% year-to-date increase in customer loans. The company is exploring a potential acquisition of a 49% stake in Santander Bank Polska, emphasizing the need for any merger and acquisition activity to enhance profitability and shareholder value.

Strong Financial Results

Erste Group reported solid financial results for Q1 2025, with revenues growing slightly year-on-year driven by core income from net interest income and fees. Return on tangible equity exceeded the 15% target for 2025.

Fee Income Growth

Net fee income rose by 9.5% year-on-year, leading to an upgrade in fee growth guidance to more than 5% for 2025.

Improved Asset Quality

The NPL ratio improved to 2.5%, and the NPL coverage ratio increased by 2 percentage points, indicating strong asset quality across the group, especially in Central and Eastern Europe.

Loan and Deposit Growth

Annual loan growth topped 5% for the first time in almost two years, with customer deposits growing by 4.6% year-on-year.

Capital Strength and Flexibility

The CET1 ratio increased to 16.2% pro forma, providing flexibility for capital deployment options including potential M&A or increased shareholder distributions.

Erste Group Bank AG (EBKDY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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EBKDY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 31, 2025	2025 (Q3)	1.18 / -	1.162	―	―	―
Aug 01, 2025	2025 (Q2)	1.05 / 1.22	1.021	19.39% (+0.20)
Apr 30, 2025	2025 (Q1)	1.08 / 1.03	1	3.40% (+0.03)
Feb 28, 2025	2024 (Q4)	0.80 / 0.74	0.816	-9.68% (-0.08)
Oct 31, 2024	2024 (Q3)	1.04 / 1.16	1.009	15.16% (+0.15)
Aug 02, 2024	2024 (Q2)	0.91 / 1.02	1.092	-6.50% (-0.07)
Apr 30, 2024	2024 (Q1)	0.89 / 1.00	0.767	30.38% (+0.23)
Feb 29, 2024	2023 (Q4)	0.82 / 0.82	0.635	28.50% (+0.18)
Oct 30, 2023	2023 (Q3)	0.96 / 1.01	0.589	71.31% (+0.42)
Jul 31, 2023	2023 (Q2)	0.95 / 1.09	0.74	47.57% (+0.35)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

EBKDY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 01, 2025	$46.10	$45.93	-0.37%
Apr 30, 2025	$34.10	$32.81	-3.78%
Feb 28, 2025	$35.04	$32.64	-6.85%
Oct 31, 2024	$25.75	$27.27	+5.90%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Erste Group Bank AG (EBKDY) report earnings?

Erste Group Bank AG (EBKDY) is schdueled to report earning on Oct 31, 2025, Before Open (Confirmed).

What is Erste Group Bank AG (EBKDY) earnings time?

Erste Group Bank AG (EBKDY) earnings time is at Oct 31, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is EBKDY EPS forecast?

EBKDY EPS forecast for the fiscal quarter 2025 (Q3) is 1.18.

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